Jeff Merkley actually said...

So if a family is put out of their home illegally, maybe their rent that they are paying is no more than their mortgage payment was, is that...

the failure to stop the foreclosure process while saying that there may be a remedy means that potentially you are saying, yes, we may find ...

I do not think that quite answered the question.

I think to even call it independent is, in that situation, a complete betrayal of your trust with the homeowner.